Following are the annual effective yields offered Tuesday...

January 2, 1986

Following are the annual effective yields offered Tuesday by Lake, Sumter and Marion banks and savings and loans. Yields are based upon the institution's method of compounding and the rate stated for the lowest minimum deposit. Larger deposits may earn higher yields. The legal minimum deposit is $1,000 on Money Market and Super NOW accounts, but some institutions may require larger minimums. Some institutions assume reinvestment of a six-month certificate of deposit to earn the yield shown. CD figures are fixed rates only.

Super

Banks and thrifts MMA NOW 6-mo. 1-yr. 2 1/2-yr. 5-yr.

Citizens National Bank, Leesburg 7.23 6.32 7.79 8.06 8.60 8.87

Citizens First, Ocala 6.75 6.00 7.75 8.00 NA NA

First National, Mount Dora 7.02 6.43 7.75 7.85 8.25 NA

Florida National, Bushnell 6.96 5.90 7.75 8.00 8.50 NA

First Florida Bank 6.75 6.00 7.75 8.00 NA 9.25

NCNB, Clermont 7.00 6.20 7.85 8.10 9.00 9.42

Peoples State Bank, Groveland 7.25 7.00 7.81 8.06 8.81 NA

Southeast Bank, Wildwood 6.65 5.75 7.75 8.00 8.25 9.00

Umatilla State Bank 7.00 NA 7.75 8.00 8.50 NA

THRIFTS

Calif. Federal, Ocala 7.14 6.44 8.00 8.65 9.31 9.96

Carteret Savings, Clermont 7.49 7.23 8.25 8.80 9.00 10.00

Citizens Federal, Mount Dora 7.00 6.10 8.30 8.65 9.20 9.60

Colonial S&L, Ocala 6.79 NA 7.75 7.75 8.75 9.51

Duval Federal, Leesburg 7.21 6.00 8.10 8.70 9.14 9.58

First Family Federal, Eustis 7.09 6.18 8.05 8.59 NA 9.58

First Federal S&L, Lake County 7.02 5.64 7.90 8.60 9.42 10.07

First Federal S&L, Citrus 7.00 7.00 7.90 8.25 9.05 NA

Hollywood Federal, Ocala 6.91 6.38 8.24 8.77 9.04 9.84

Mid-State Federal, Ocala 7.23 NA 8.08 8.46 9.36 10.06

N.A. Not available, account not offered.

Source: area banks

For interest rates offered by other institutions, see Central Florida Business on Monday in The Orlando Sentinel.